Side-by-side cost of living comparison for 2026
9% cheaper
Louisville is 9% more affordable than Phoenix. A $75,000 salary in Phoenix is equivalent to $68,250 in Louisville.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Kentucky salaries · Arizona salaries
Housing is typically the biggest factor in any cost-of-living comparison. Louisville has a housing index of 77 while Phoenix sits at 102 (national average = 100). The median home in Louisville costs $210,000 compared to $350,000 in Phoenix, a difference of $140,000. Monthly rent follows a similar pattern: $1,100 in Louisville versus $1,400 in Phoenix.
Groceries and everyday expenses show a narrower gap: Louisville scores 96 while Phoenix scores 99. Both cities are close to the national average for grocery costs.
Healthcare costs in Louisville (93) are lower than Phoenix (95). Both are close to the national average.
Median household income in Louisville is $52,238 compared to $57,459 in Phoenix. When adjusted for cost of living, income goes further in Louisville.
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